USAA Secured Card Review - a reason to join the military?

back USAA Secured Cards® American Express® Card
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Apply for the card on a issuer's secure site
intro purchase APR no intro offerregular APR10.40% to 20.40%*
intro BT APR no intro offer 3% BT fee
bad credit / no credit required
Terms and Conditions

Best for members rebuilding or establishing credit

It's a real credit card — not a debit or prepaid card.

Determine your own credit limit ($250 to $5,000) with an interest-earning CD.

Terms and Conditions

Editors Review

Pros

  • good low end APR of 9.90%
  • no penalty APR
  • interest-earning deposit

Cons

  • Available only for military members and their families 
  • $35 annual fee - slightly more than best offers

Verdict

One of our favorite picks for a secured card. It has everything that a good secured card should have - a grace period, an interest-earning deposit, modest annual fee and a good starting 9.90% APR.

The only real drawback - and it is an important one - you should have ties to the military in order to be eligible to apply.

Last updated: 07/07/2017


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